A Loan to Fit Your Needs

Whether you're looking to consolidate debt, redecorate your home, or host a milestone celebration, a low-rate personal loan can be an affordable option.

» Get a rate quote with no impact to your credit¹ » No collateral/security is required
» Choose a short or long repayment term – up to 60 months » Complete the loan process from home – no trips to a branch
» Pay off as early as you’d like with no pre-payment penalty » Once approved, it takes about 15 minutes to complete your loan
» Lock in a low rate with fixed payments » Never pay an application fee, origination fee, or early payoff fee
»

Borrow as little as $500 to as much as $25,000

» Both Members and non-Members³ are welcome to apply

 

Today's Rates


APR⁴ As Low As
  • Get a rate quote with no impact to your credit¹
  • Choose a short or long repayment term – up to 60 months
  • Pay off as early as you’d like with no pre-payment penalty
  • Lock in a low rate with fixed payments
  • Borrow as little as $500 to as much as $25,000
  • No collateral/security is required
  • Complete the loan process from home – no trips to a branch
  • Once approved, it takes about 15 minutes to complete your loan
  • Never pay an application fee, origination fee, or early payoff fee
  • Both Members and non-Members³ are welcome to apply

 

Today's Rates


APR⁴ As Low As

 

Start with an instant rate quote with no impact to your credit report.¹

See your personalized interest rate and monthly payment estimate. Like what you see? Until you make the decision to submit an application, nothing reflects on your credit history.

Check Your Rate

Minimum amount is $500.

Is a Personal Loan the Right Option?

A Personal Loan allows you to borrow one lump sum of cash without collateral. The payment and rate are fixed for the life of the loan. (Looking for a revolving credit line? Click here.)

Personal Loans are a great option when you want steady payments that will work for your budget. Getting the full loan amount up front gives Members the freedom to move forward with major purchases.

What Could You Do with a Personal Loan?
personal-loan-icon-_0001_hammer-icon.jpg
Make Home Improvements
personal-loan-icon-_0002_Event.jpg
Pay for a Wedding or Major Event
personal-loan-icon-_0003_consolidate.jpg
Consolidate High-Interest Loans and Credit Cards
personal-loan-icon-_0000_Travel.jpg
Take a Dream Vacation
personal-loan-icon-_0005_Truck.jpg
Pay for the Unexpected, Like Vehicle Repairs
personal-loan-icon-_0004_Instant_Changes_icon.jpg
Start a Small Business

 

A Personal Loan allows you to borrow one lump sum of cash without collateral. The payment and rate are fixed for the life of the loan. (Looking for a revolving credit line? Click here.)

Personal Loans are a great option when you want steady payments that will work for your budget. Getting the full loan amount up front gives Members the freedom to move forward with major purchases.

What Could You Do with a Personal Loan?

personal-loan-icon-_0001_hammer-icon.jpg
Make Home Improvements

personal-loan-icon-_0002_Event.jpg
Pay for a Wedding or Major Event

personal-loan-icon-_0003_consolidate.jpg
Consolidate High-Interest Loans and Credit Cards

personal-loan-icon-_0000_Travel.jpg
Take a Dream Vacation

personal-loan-icon-_0005_Truck.jpg
Pay for the Unexpected, Like Vehicle Repairs

personal-loan-icon-_0004_Instant_Changes_icon.jpg
Start a Small Business

Using a Personal Loan to Consolidate Debt

The average American has more than $6,000 in credit card debt. And with rates on credit cards averaging more than 16% APR, paying off debt can be a serious challenge for many.⁵ That’s why many look to consolidate debt by combining balances owed to several creditors into one manageable payment. It can be a smart way to simplify your budget and lower expenses by reducing your interest rate, the time it will take to pay off debt, and in some cases, both! Use this calculator to see if consolidating debt makes sense for you.

Our Associates are also available to help you weigh your options. Call us to start the conversation: (888) 354-6228

 


Ready to Start the Loan Process? Check Your Rate

The average American has more than $6,000 in credit card debt. And with rates on credit cards averaging more than 16% APR, paying off debt can be a serious challenge for many.⁵ That’s why many look to consolidate debt by combining balances owed to several creditors into one manageable payment. It can be a smart way to simplify your budget and lower expenses by reducing your interest rate, the time it will take to pay off debt, and in some cases, both! Use this calculator to see if consolidating debt makes sense for you.

Calculator: Will consolidating my debt into a new loan be beneficial?

Our Associates are also available to help you weigh your options. Call us to start the conversation: (888) 354-6228

 


Ready to Start the Loan Process? Check Your Rate

Minimum amount is $500.


Personal Loan Rates

  Personal Loan
APR¹ 7.25%-17.25%
Term 60
Amount Financed Less than $25,000
  APR¹ Term Amount Financed
Personal Loan 7.25%-17.25% 60 Less than $25,000
Effective May 18, 2022 09:06 AM Pacific Time (PT)

Resources
Tools

¹To check the rates and terms you may qualify for, we conduct a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

If you are considering debt consolidation, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you. Consolidating multiple debts means you’ll have a single monthly payment, but it may not reduce or pay your debt off sooner. The payment reduction may come from a lower interest rate, a longer term, or a combination of both. By extending the loan term, you may pay more in interest over the life of the loan. By understanding how consolidating debt benefits you, you’ll be in a better position to decide if it’s the right option.

²Maximum loan term may not be available for all loan amounts. Refer to table below for list of maximum loan terms and the corresponding minimum amount borrowed. The Credit Union reserves the right to limit loan amount based on individual creditworthiness.

Terms in Months Minimum Loan Amount
Up to 12 $500
Up to 24 $1,000
Up to 36 $3,000
Up to 48 $4,000
Up to 60 $5,000

³You do not have to be a current Member of Orange County’s Credit Union to submit a loan request or check your rate. However, should you decide to move forward with accepting a loan offer, a Membership must be opened. Membership in Orange County's Credit Union is available to anyone who lives or works in Orange, Los Angeles, Riverside, or San Bernardino Counties. Don't live or work in our area? You may also qualify if your immediate family member banks with us. Ask us for details. Membership fee is $5.

Immediate Family Includes:
Spouse
Child
Sibling
Parent
Grandparent
Grandchild
Stepparent
Stepchild
Adoptive Relationships

⁴APR is Annual Percentage Rate. All loans are subject to application, credit qualification, income verification, and approval. Not all applicants will qualify for the lowest rate. APR may vary and is determined by your credit qualifications. APR includes 0.25% discount for automatic payments via an Orange County’s Credit Union checking/savings account or payroll deduction and a 0.25% discount for Platinum status Member. Platinum Relationship Rewards status requires a combined household Credit Union balance of $50,000+ for loans and deposits or having been a Member for 20+ years. Click here for details. Loans without automatic payments from a checking/savings account will be 0.25% higher. Example monthly payment: For a $1,000 loan for a term of 12 months with a 7.25% APR, the monthly payment will be $86.64.

⁵Sources: Nerdwallet, FRED Economic Research